INC483644 - Degradation to Form3 - SEPA Instant service

Incident Report for Form3

Postmortem

On Wednesday 30th September, Form3 experienced degradation to the Form3 - SEPA Instant service, with outbound payment processing impacted between 09:04 - 09:55 UTC.

EBA clearing confirmed that the issue originated with an upstream participant.

Following a period of monitoring, Form3 confirmed that payments are processing as expected.

Posted Sep 30, 2026 - 10:29 UTC

Resolved

Following a period of monitoring, we can confirm that the service has returned to normal processing and no further degradation has been observed.

Further details will be provided in the postmortem in due course.

Posted Sep 30, 2026 - 10:23 UTC

Investigating

Form3 are aware of performance degradation to the Form3 - SEPA Instant service.

The scheme provider has confirmed that the issue originates with an upstream participant.

We continue to work with the scheme provider and will provide a further update when available.

Posted Sep 30, 2026 - 10:07 UTC

This incident affected: Form3 - SEPA Instant (Direct, Direct Non Settling).